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Comment by dahart | Hacker News Reader

That is pretty harsh. I'm personally scared of the future liability and privacy implications of deep screens, especially if it's employment related. Is that irrational or justified?

On the other hand, my life insurance company asked for an update on my health, and after I had a blood test, they came back and said I was so healthy they were going to have to cut my rates, and they did massively, by like half. They weren't threatening to raise rates or offering to reduce them, so I guess it felt like a very positive thing. Still worried that somehow the data will be used against me to reject claims when I get old.

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I think it's justified. I felt lethargic so I got my testosterone tested. Came back low. But now that's a pre-existing condition so if the ACA is overturned I'm SOL.

It will probably return to the pre-ACA regime where maintaining continuous coverage of SOME sort will preclude an insurer from using "pre-existing conditions" to deny coverage. COBRA is useful for this especially for those who lose their jobs, albeit at immense cost.

I'm not saying everything's fine, but you do have some options.

I've never been without health insurance and I was rejected from several insurance carriers pre-ACA. I was on cobra at the time but trying to switch because it was so expensive. But luckily Cobra got me through until the ACA kicked in.

Tangental question - how did you get your testosterone tested? I'm curious to do the same thing. Do you just book a meeting with your PCP? Ask them for it? Is it more practical to do a number of different blood tests at once?

Sorry if this is an obvious question

I just went to walkinlabs and got it tested. It's usually much cheaper than going to a doctor for lab testing.

The good news is that all the solutions are systemic, relying on individual heroic actions to preserve privacy won't work for society at large.

The bad news is that we hate each other and don't like systemic solutions, even if they are easy (and it is comparatively easy to specify what information private insurers can use when setting premiums and then audit the premiums).

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